XAVIER LENDERS

Active

Private limited companyfounded 2017active for 9 yearsRue des Fawes(LVG) 68, 4141 Sprimont, BelgiumKBO/BCE: BE 0669.710.170

Summary

XAVIER LENDERS has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52,724 and a net result of €11,829. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 2,589 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

XAVIER LENDERSActiveChecked score 96/100

Risk analysis Report Compare

Activity

Vocational training

NACE 85592

1 site

Size

€52,229turnover 2025

Equity: €52,724
Profit: €11,829

Financial health

96 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

2025 accounts filed 12 days late2 deeds in the Belgian Official Gazette

Why 96lowers riskLiquidity: current ratio 3.85, cash €58,968Sector: Education (NACE 85)Equity €52,724 (74.1% of total assets)Size: turnover €52,229, total assets €71,110Show the evidence

Checked score

Score 2025

96 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 66% of its sector peers (NACE 85, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 99=

equity 74.1% of total assets

Liquidity 90=

short-term debt 25.9% · cash 82.9%

Profitability 93-7

return on assets 16.6%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (3,809 companies, NACE 85, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: 0.1%▲ +0.1 percentage points vs 07-2025highest value 09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €5,000 on 30-day terms is acceptable

Liquidity ample (current ratio 3.85, compared with 3.77 in 2024, above the usual 1.5; short-term debt: 25.9% and cash: 82.9% of total assets), and 25.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro): better than 75% on solvency, 82% on liquidity, 76% on profitability and 31% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises risk

Liquidity: current ratio 3.85, cash €58,968

NBB · annual accounts

Sector: Education (NACE 85)

KBO

Equity €52,724 (74.1% of total assets)

NBB · annual accounts

Size: turnover €52,229, total assets €71,110

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Growing equity

Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year €52,724

2025 accounts filed 12 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 9 filings

Deviation from the deadline

2025

12 days late

2024

on the day

2023

20 days late

2022

2 days late

2021

25 days late

2020

47 days early

2019

8 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day after the deadline; the sector median (NACE 85) for financial year 2024 is 16 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

25-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

12-08-2026 Annual accounts filedfinancial year 2025 · micro…
31-07-2025 Annual accounts filedfinancial year 2024 · micro…
31-12-2024 Highest result from 2018 to 2025net €29,428 ▲357%

Key points

Turnover 20255 financial years filed €52,229 View
Active since 2017founded 18-01-2017 9 years View

By topic

Financials

Financial year: 2025
Turnover: €52,229
Profit: €11,829
Solvency: 74.1%

Turnover▼ 19.5%

Net result

20212025

Go to Financials

Timeline

Events: 13
Since: 2018
Next accounts: by 31-07-2027

20-08-2024Annual accounts filed
02-08-2023Annual accounts filed
31-12-2022Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Vocational trainingNACE 85592
Founded: 18-01-2017
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about XAVIER LENDERS

What is the company number of XAVIER LENDERS?: 0669.710.170. In Belgium the VAT number is the company number with BE in front: BE 0669.710.170.
Where is XAVIER LENDERS based?: The registered office is at Rue des Fawes(LVG) 68, 4141 Sprimont.Company details
What does XAVIER LENDERS do?: According to the KBO register, the main activity is vocational training (NACE 85592).
What is the legal form of XAVIER LENDERS?: Private limited company (BV).
When was XAVIER LENDERS founded?: On 18-01-2017.
Is XAVIER LENDERS still active?: Yes, XAVIER LENDERS is an active enterprise in the KBO register.
What is the turnover of XAVIER LENDERS?: €52,229 in financial year 2025, according to the filed annual accounts.Financials
Is XAVIER LENDERS profitable?: In financial year 2025, XAVIER LENDERS made a profit of €11,829.
Where can I find the annual accounts of XAVIER LENDERS?: XAVIER LENDERS filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of XAVIER LENDERS due?: By 31-07-2027, for financial year 2026.Timeline